Today's Verified Mortgage Rates

Rate benchmarks compiled daily from over 30 Canadian banks, credit unions, and institutional lenders. Compare starting rates, prime spreads, and product tiers across BC, Alberta & Ontario.

Canadian Prime Rate:4.45%

Lowest 5-Yr Fixed:From 4.39%

Lowest 5-Yr Variable:From 3.44%

Comprehensive Canadian Market Benchmark Matrix

Rates apply to owner-occupied and qualifying residential properties in BC, AB & ON (OAC). Terms subject to lender guidelines.

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Term & Product	Program Tier	Starting Rate	Pricing Formula	Sample Leading Lender	Action

Actual rate depends on credit profile, LTV, property location, and debt ratios. Private 2nd mortgages start from 7.99% with appraisal. Rates are not a rate hold or commitment to lend.

Kraft Mortgages Canada Inc. • FSRA & BCFSA Licensed Brokerage

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Default interest rates are automatically synchronized to today's lowest market benchmark.

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